Honourary Fee Charged

There are things happening in my current account that I do not understand and I am really not happy with.<br> <br> 1.I loaded my Gautrain card with R500.00 on the 17th of August, and my account had R995.96., which means R496.96 was left, same day I used R205,done.<br> 2. Then I see that Standard Bank did not deduct R500.00 that I used for my Gautrain card on the 17th but it only deducted that on the 19th.<br> 3.On the 19th my account had false R700.00 and I added R800.00 to perform R1200.00 transaction, which means I now end up with R300. SB now decides to come deduct R500.00 on my account while I am only left with R300.00, ending up with R200 overdraft plus R120 HONOURING FEE.<br> <br> <br> The question is, is it my problem that Standard Bank did not deduct money on the day of transaction? I did not ask for an overdraft why am I charged an honorary charge since it is the banks fault?<br> <br> I know this is not really a lot of money, but imagine if this happens next time, say I perform a R5 000.00 transaction and the bank does not deduct it, where will I get money to settle such an overdraft including its fee? I cannot afford to be paying charges and overdrafts because of system errors.